Association, anid representatives of the insurance and imunicipal interests. There are a great manv rules giveni, but, I tlhink in reading them we will find that they are the result of form-iier rules, modifications in many instances, and showing iniprovemen:ts in many others. It will not be possible, of course, in the limited time of thlis discuission, to take themn up, onie by one, or page by page. In a general way, however. and in the interests of the various mernbers, it will be possible to

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... consider them. We are fortuniate in having at our mleeting to-night one of thie memlbers of tl-e body by which these rules were forinulated,-Mr. W. HI. Merrill, of the Chicago UTnderwriter's Association. I 18971.] 635 1897.] 537